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US20090132298 |
Mortgage foreclosure insurance product and method for hedging and calculating premiums
A method and means produce a value of a premium for an insurance product which make a homeowner's mortgage payment in the event of default. A computer program uses financial data that has been...
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US20080120144 |
Futures Based Exchange Systems And Methods
Systems and methods for trading property loss or damage on a futures-based exchange. A system can include receiving information related to one or more futures-based contracts. A transaction is...
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US20120259664 |
COMPUTER PROGRAM, COMPUTER SYSTEM, AND COMPUTER-IMPLEMENTED METHOD FOR INCOME-PRODUCING PROPERTY INVESTMENTS
A computer program, computer system, and computer-implemented method for income-producing property investments. The computer program is stored on a computer-readable medium for directing operation...
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US20060253305 |
Computerized automated new policy quoting system and method
An automated computerized system for quoting new insurance policies or other policies through a method utilizing public data searches, information provided by consumer reporting agencies, and other...
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US20070050219 |
Healthcare claim and remittance processing system and associated method
A system for processing healthcare claims and remittances comprises a database and an electronic portal. The database contains previously received healthcare claims from a plurality of healthcare...
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US20080010096 |
DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT
Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of...
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US20090119131 |
METHOD FOR CREATING INDIVIDUAL HEALTH RECORDS FROM STANDARD EXPLANATION OF BENEFITS
A personal health record is maintained by receiving a document having information thereon corresponding to the purchase of healthcare. The document is transmitted to a server by generating an...
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US20060095304 |
Evaluating risk of insuring an individual based on timely assessment of motor vehicle records
Automated generation of reports based on insured persons' motor vehicle records. Insurance carriers can automatically obtain, at appropriate times, customized reports for use in monitoring and...
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US20090326987 |
COMPREHENSIVE INSURANCE PRODUCT WITH LOSS COVERAGE AND ASSISTANCE SERVICES
Aspects of the disclosure describe systems and methods for providing a combined insurance and assistance product to an insured. Insurance coverage can be provided to the insured for at least one...
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US20070021986 |
Benefits Contract Providing a Bundle of Benefits
According to one embodiment of the invention, a benefits contract includes an agreement to provide a plurality of benefits for at least one person. The agreement provides for an account including a...
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US20120209629 |
SYSTEMS AND METHODS FOR PROVIDING AN ASSET ALLOCATION WHOLE LIFE INSURANCE OPTION WITH A PREMIUM FUNDING VEHICLE
The present invention provides methods, computer media and systems for providing a hybrid life insurance and non-life insurance investment product for an individual. Embodiments of the methods,...
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US20090204442 |
METHOD OF VALUATION OF LIFE SETTLEMENTS AND OPTIMIZING PREMIUM FINANCING
The present invention proposes to integrate mortality table analysis and the future premium burden thereby creating a unit net asset value (“Unit NAV”) for investors holding a unit in the fund. A m...
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US20090024421 |
Life rewardance insurance system and methodology
A life rewardance insurance system that includes managing a pooled insurance plan with the following steps: (a) insuring a plurality of individuals in a plan with a pre-defined set of plan...
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US20070282641 |
Horizontal excess coverage for insurers and advisors
A method for underwriting and adjusting losses based on the losses paid by insurance and reinsurance policies.
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US20090240529 |
Method for selecting a high risk patient for participation in a care management program for patients having poor prognoses
The method of the present invention is used to select high risk or co-morbid patients for participation in a care management program. An acuity score determines which patients are selected for care...
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US20090076858 |
Business process automation in a health plan organization
The computer implemented method and system disclosed herein automates business processes of a health plan organization using a plurality of portals. The portals comprise a sales portal, a member...
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US20090063199 |
MARRIAGE OBLIGATION FULFILLMENT INSURANCE SYSTEM AND METHOD
A marriage obligation fulfillment insurance method and system is implemented in the marriage insurance area of financial e-commerce. An insurance company using the method and system to incorporate...
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US20060155590 |
Lifestyle protection insurance
An insurance product for protecting a wage earner against a reduction in compensation resulting from an event such as involuntary dismissal from employment or military service activation, and...
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US20050055251 |
Cost-effective benefit plan system and method
A benefit plan system is provided with multiple categories of benefits. The benefits are subject to controls, which are independently variable. The controls can comprise one or more of limit...
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US20100235195 |
Computational systems and methods for health services planning and matching
Methods, apparatuses, computer program products, devices and systems are described that carry out accepting an indication of at least one health-related status of an individual; determining at...
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US20060178899 |
Identifying a participant loss in a virtual world
Embodiments include an apparatus, device, system, computer-program product, and method. In an embodiment, system includes a computing system couplable to a virtual world via a network, and...
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US20090228305 |
METHOD FOR PROVIDING SERVICES AVAILABLE WITHIN A NEIGHBORHOOD
The method is for providing a service system. The method identifies a location of a user of the service system. The user selects a category of the service system. A database is searched for service...
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US20100256997 |
Program for alternative funding of employee and retiree benefits
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or...
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US20110238453 |
METHOD AND SYSTEM FOR PROCESSING DATA RELATED TO A LIFE INSURANCE POLICY HAVING AN ACCELERATED BENEFIT
Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the...
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US20110010186 |
METHOD AND SYSTEM FOR THE ADMINISTRATION OF ALTERNATIVE RISK FINANCE VEHICLES
The invention is a system and method for managing and processing workers' compensation claims. After enrolling in the system, all communications regarding the reporting of a workplace injury pass...
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US20070021977 |
Automated system for capturing and archiving information to verify medical necessity of performing medical procedure
An automated routine verifies the medical necessity of a procedure. When a procedure is scheduled, the routine searches for, captures and archives patient and clinical information in an audit file,...
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US20070156462 |
Security insurance
An insurance instrument designed to compensate civilians, professionals, corporations, public figures, high-profile individuals and/or business owners from costs associated with criminal...
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US20060015374 |
Risk management on the application of crop inputs
A system and method for managing a crop insurance program facilitates determining an input management plan for application of a crop input to a field within a defined geographic area. A first yield...
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US20100004954 |
SYSTEMS FOR DIGITAL MANAGEMENT OF UNDERWRITING INSURANCE CONTRACTS
Disclosed are systems for underwriting insurance contracts. In one embodiment a system comprises a rules database of business rules specifying one or more conditions based upon one or more...
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US20110202373 |
Computer-Implemented Systems And Methods For Parameter Risk Estimation For Operational Risk
Systems and methods are provided for determining a loss mitigation reserve requirement based on a risk measure estimation and a confidence interval associated with the risk measure estimation....
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US20080255886 |
System and Method of Confirming a Transaction Between Parties
A service confirmation system records a disclosure of a transaction between first and second parties. The disclosure is confirmed for accuracy and sufficiency and then stored in a computer system....
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US20050228699 |
Cost projections for diagnoses
Techniques for projecting costs for diagnoses. Past claims data and a set of different multiplying factors are used to arrive at a more accurate cost projection. Example multipliers include a claim...
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US20100063852 |
Automated Insurance Services System
Methods and systems for generation of an insurance to protect the policy-holder of an object which is part of a market against changes in an index related to this market under a period of time are...
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US20050288970 |
Automobile insurance during military deployment
A method of allocating an insurance benefit to qualified military personnel is provided for military personnel that are deployed for overseas or long distance duty and who have stored a personal...
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US20050114184 |
Insurance coverage system and method
Methods and systems for providing and servicing timeshare ownership packages. A user using a computer accesses a user interface provided by a server over a network. The user submits ownership...
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US20060218017 |
Insurance claim association method and apparatus
A computer-based insurance claim processing system (500) provides for the formation and segregated storage of associations (510) that link various active insurance claims (506) to one another. In...
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US20080052117 |
MEDICAL DECISION AUDITING METHOD AND SYSTEM
A method for monitoring a medical related decision made by a medical professional includes providing access to a plurality of databases. Each of the plurality of databases contains medical related...
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US20080033765 |
APPARATUS AND METHOD FOR CLAIMS REVIEW
The present invention generally relates to a claims review system for electronic review of insurance claims. The claims review system contemplates several classes of users and comprises four...
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US20090106054 |
CLINICAL DATA EVALUATION AND SCORING FOR NON CLINICAL PURPOSES SUCH AS BUSINESS METHODS FOR HEALTH INSURANCE OPTIONS
A method of doing business is disclosed for the sale of insurance options. An individual is assigned a Health Risk Score (HRS); in a preferred embodiment, the HRS is determined by using an...
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US20050108067 |
Method of increasing efficiency in a medical claim transaction, and computer program capable of executing same
A method of adjudicating a medical claim includes providing a requirements for a first claim and a second claim, receiving a medical claim for a medical procedure, setting a first score for the...
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US20070282638 |
ROUTE BASED METHOD FOR DETERMINING COST OF AUTOMOBILE INSURANCE
A method and system of determining cost of automobile insurance based on safety characteristics of road segments comprising routes expected to be followed on trips insured vehicle and driver have...
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US20050086085 |
Methods of offering and providing a variable life insurance product
A variable universal life insurance product that includes a death benefit and associated investment vehicles is selectively offered. A life insurance policy chassis is provided by an insurance...
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US20100235199 |
Method and System for Offering Insurance for Loans
A method for offering insurance to entities in the mortgage industry that provides coverage for financial loss as a result of, for example, material inaccuracies in the financial information...
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US20070203759 |
Portfolio management system with gradient display features
The present invention provides a tool to depict the relative impact to the losses of a insurer's portfolio from catastrophic events, such as a hurricanes or earthquakes, at a specific risk level by...
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US20050075910 |
Systems and methods for quoting reinsurance
A system and method is provided for quoting reinsurance. A web server receives electronic requests for reinsurance quotations and authenticates users generating the requests. An application server...
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US20080010086 |
Health financial needs calculator
A system and method for determining an expected health care financial need for a period of time in the future, such as during retirement, is preferably an Internet-based system that collects...
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US20100228574 |
PERSONALIZED REAL-TIME LOCATION-BASED TRAVEL MANAGEMENT
A personalized real-time location-based travel management method, the method including the steps of (a) defining a departure point and a destination for multimodal travel,(b) computing in an IT...
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US20090012798 |
TRAVELER SAFETY INFORMATION CORRELATION SYSTEM AND ASSOCIATED METHODS
A traveler safety information correlation system is provided. An interactive, real-time mapping tool is combined with traveler location and alert information data sources. Recorded locations...
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US20100280852 |
System And Method For Financial Transactions In A Rideshare Environment
A system and method for financial transactions in a rideshare system is provided. An economic demand is determined for a rideshare transaction. An economic supply is also determined for the...
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US20090182585 |
METHODS FOR SELLING INSURANCE USING RAPID DECISION TERM
An insurance company sells a life insurance policy having a coverage period. The policy provides a total benefit amount which includes an all-cause benefit amount and an accidental death only...
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